Fair Lending

The Farmers Bank of Willards (‘the Bank’) has adopted a policy to ensure that all of its credit products available to all qualified applicants are made available without any discrimination on the basis of race, color, religion, sex, national origin, marital status, age (over that of majority), handicap, receipt of public assistance, or any other good faith exercise of rights under the Federal Consumer Protection Act.

Pursuant to the Community Reinvestment Act Policy of the Farmers Bank (CRA), the bank continues to be involved with the credit needs of low- and moderate-income neighborhoods within our community and has provided and will continue to provide financial services and loans to all income segments of the market which are consistent with safe and sound banking practices.

All customers shall be treated consistently and fairly in compliance of all fair lending laws. All employees shall offer assistance in all lending endeavors in a fair, impartial and consistent manner. The bank views the success of our Fair Lending Program as a responsibility of the entire banking organization, from the application process, loan origination processing, underwriting and servicing, as well as our collection activities. The bank’s fair lending practices shall be applied fairly and evenly. Our commitment to fair lending principles is demonstrated in the terms of our employee ethics policies as well as numerous other bank policies involving employee training, evaluation and monitoring. The Board of Directors in conjunction with the President and the Senior Management Team have established practices designed to ensure that our employees reflect a strong commitment to fair lending and compliance with both state and federal banking regulations.